Greetings from God Is My Refuge Ministries and welcome to our site! We extend the following information to assure you, our guest, that we are concerned about and respect your privacy while visiting our Web site. God Is My Refuge Ministries will never sell, lease or rent your confidential information. However, if it is necessary, we will share information for legal reasons. We will always endeavor to take steps to assure that any information you provide to us will remain secure. We want you to feel safe in your online experience while visiting our site. We therefore request that you take a moment to review the following valuable information.

Collection of Information

God Is My Refuge Ministries does not collect personal information without your knowledge during your visit to our Web sites. However, God Is My Refuge Ministries does at times ask that you provide us with personal information while online. The type of information we collect typically, but not always, corresponds directly with the service you request. For instance, you can make donations, when requested you can offer your thoughts, opinions, prayers, concerns, ideas, personal experiences, questions and/or suggestions to our resources, contests, or you can request that a resource be sent to you directly from our Online Resource Center. As a visitor, the personal information you provide may also be used to improve the usability of, and information available on, our sites. In other words, at times we will ask you for more information, beyond just your name and contact information, than is needed to facilitate our response to your specific request. Your provision of such additional information is your acknowledgement that you consent to our use of such information to better serve you, our visitor, and others coming to our sites. We also have a Privacy Policy for Children that parents may be interested in reviewing.

God Is My Refuge Ministries does not sell, lease or rent your confidential information. However, we may need to disclose personal information as required by law, such as a law, regulation, court order, subpoena, search warrant, in the course of a legal proceeding or in response to a law enforcement agency request, to enforce our Terms of Service, or site rules; or to protect the safety and security of our visitors and our sites.

Security

Our Web site's ecommerce system uses SSL encryption to protect sensitive data transmissions from your computer to our Web site. You are able to see when the SSL encryption is active either by the "padlock" icon at the bottom of your browser's window or by a blue line around the window. In certain areas, password protection is used to protect your privacy and security.

Changes

God Is My Refuge Ministries reserves the right to make changes to this privacy policy at any time and requests that you review this policy for updates.

Questions or Suggestions

Please direct all questions or comments regarding this privacy policy to Anita@GodIsMyRefuge.net . This Web site may provide links to external Web sites maintained by individuals or organizations external to God Is My Refuge Ministries.

Once you access information that links you to another Web site, you are subject to the privacy policy of the Web site containing the information you have linked to.

ADDITIONAL INFORMATION ABOUT OUR ONLINE RESOURCE CENTER WEBSITE:

Cookies

A small piece of data that a website can store on your system is referred to as a "cookie." Cookies are often used to enhance your online experience. Many browsers recognize when a cookie has been sent to your computer and will give you the option to refuse or allow it. Within the Online Resource Center, we use two different cookies. Below are details regarding how these two cookies are used by our web site. Please be aware that we do not use cookies to track a user's navigation through our Web site.

Account Registration

When you request a resource we require that you provide us certain information that allows us to complete your transaction. This information is used to create a unique account within our Online Resource Center. Following account registration, a "cookie" is used to automatically identify you as a registered user when you are browsing the Online Resource Center (you have the option of declining this cookie during account registration if desired).

TERMS AND CONDITIONS OF USE

We have taken every effort to design our Web sites to be useful, informative, helpful, honest and fun. Hopefully we've accomplished that - and would ask that you let us know if you'd like to see improvements or changes that would make it even easier for you to find the information you need and want.

God Is My Refuge Ministries exists to bring families closer to each other and to our Creator. Our sites are based on a set of foundational Christian beliefs which you may want to review. We make no apologies for holding a Judeo-Christian perspective of marriage, family and the value of life and children. Thanks for your openness to respectfully consider our viewpoints. We appreciate your courtesy! To find out more about our organization, please visit About Us.

All we ask is that you agree to abide by the following Terms and Conditions. Take a few minutes to look them over because by using our sites you automatically agree to them. Naturally, if you don't agree, please do not use the sites. We reserve the right to make any modifications that we deem necessary at any time. Please continue to check these terms to see what those changes may be! Your continued use of the God Is My Refuge Ministries Web sites means that you accept those changes.

THANKS AGAIN FOR VISITING!

Restrictions on Use of Our Online Materials All materials contained in the God Is My Refuge Ministries Web sites ("Online Material") are the copyrighted property of God Is My Refuge Ministries. All trademarks, service marks, and trade names are proprietary to God Is My Refuge

Ministries. No Online Material from our Web sites may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way, except that you may download one copy of the materials on any single computer for your personal, noncommercial home use only, provided that you 1) retain all copyright, trademark and propriety notices, 2) you make no modifications to the materials, 3) you do not use the materials in a manner that suggests an association with any of our products, services, events or brands, and 4) you do not download quantities of materials to a database, server, or personal computer for reuse for commercial purposes. You may not, however, copy, reproduce, republish, upload, post, transmit or distribute our Online Material in any way or for any other purpose unless you get our written permission first. Neither may you add, delete, distort or misrepresent any content on the God Is My Refuge Ministries sites. Any attempts to modify any Online Material, or to defeat or circumvent our security features is prohibited.

Everything you download, any software, plus all files, all images incorporated in or generated by the software, and all data accompanying it, is considered licensed to you by God Is My Refuge Ministries or third-party licensors for your personal, non-commercial home use only. We do not transfer title of the software to you. That means that we retain full and complete title to the software and to all of the associated intellectual-property rights. You're not allowed to redistribute or sell the material or to reverse-engineer, disassemble or otherwise convert it to any other form that people can use.

Submitting Your Online Material to Us

All remarks, suggestions, ideas, graphics, comments, or other information that you send to God Is My Refuge Ministries through our sites (other than information we promise to protect under our Privacy Policy), becomes and remains our property, even if this agreement is later terminated. That means that we don't have to treat any such submission as confidential. You can't sue us for using ideas you submit. If we use them, or anything like them, we don't have to pay you or anyone else for them. We will have the exclusive ownership of all present and future rights to submissions of any kind. We can use them for any purpose we deem appropriate to our God Is My Refuge Ministries mission, without compensating you or anyone else for them.

You acknowledge that you are responsible for any submission you make. This means that you (and not we) have full responsibility for the message, including its legality, reliability, appropriateness, originality, and copyright. Information About Health Information accessible on this site is not intended to substitute for professional medical advice and information.

Information provided is general in nature and may be helpful to some people but not others, depending upon their personal medical needs. This is why you should always consult with your personal physician prior to changing or undertaking a new diet, exercise program or following advice designed for general audiences only. Your physician is typically best able to evaluate whether or not a specific health suggestion or potential course of treatment is best for you.

Advance consultation with your physician is especially important if you are under eighteen (18), pregnant, nursing a baby, or have health problems. Never disregard professional medical advice or delay to seek it because of something you may have read on this site.

Limitation of Liability

God Is My Refuge Ministries WILL NOT BE LIABLE FOR ANY DAMAGES OR INJURY THAT ACCOMPANY OR RESULT FROM YOUR USE OF ANY OF ITS SITES. THESE INCLUDE (BUT ARE NOT LIMITED TO) DAMAGES OR INJURY CAUSED BY ANY: USE OF (OR INABILITY TO USE) THE SITES USE OF (OR INABILITY TO USE) ANY SITE TO WHICH YOU HYPERLINK FROM OUR SITES FAILURE OF OUR SITES TO PERFORM IN THE MANNER YOU EXPECTED OR DESIRED ERROR ON OUR SITES OMISSION ON OUR SITES INTERRUPTION OF AVAILABILITY OF OUR SITES DEFECT ON OUR SITES DELAY IN OPERATION OR TRANSMISSION OF OUR SITES COMPUTER VIRUS OR LINE FAILURE
PLEASE NOTE THAT WE ARE NOT LIABLE FOR ANY DAMAGES, INCLUDING: DAMAGES INTENDED TO COMPENSATE SOMEONE DIRECTLY FOR A LOSS OR INJURY DAMAGES REASONABLY EXPECTED TO RESULT FROM A LOSS OR INJURY (KNOWN IN LEGAL TERMS AS "CONSEQUENTIAL DAMAGES.") OTHER MISCELLANEOUS DAMAGES AND EXPENSES RESULTING DIRECTLY FROM A LOSS OR INJURY (KNOWN IN LEGAL TERMS AS "INCIDENTIAL DAMAGES.") WE ARE NOT LIABLE EVEN IF WE'VE BEEN NEGLIGENT OR IF OUR AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITIY OF SUCH DAMAGES OR BOTH.

EXCEPTION: CERTAIN STATE LAWS MAY NOT ALLOW US TO LIMIT OR EXCLUDE LIABILITY FOR THESE "INCIDENTAL" OR "CONSEQUENTIAL" DAMAGES. IF YOU LIVE IN ONE OF THOSE STATES, THE ABOVE LIMITATION OBVIOUSLY WOULD NOT APPLY WHICH WOULD MEAN THAT YOU MIGHT HAVE THE RIGHT TO RECOVER THESE TYPES OF DAMAGES. HOWEVER, IN ANY EVENT, OUR LIABILITY TO YOU FOR ALL LOSSES, DAMAGES, INJURIES, AND CLAIMS OF ANY AND EVERY KIND (WHETHER THE DAMAGES ARE CLAIMED UNDER THE TERMS OF A CONTRACT, OR CLAIMED TO BE CAUSED BY NEGLIGLENCE OR OTHER WRONGFUL CONDUCT, OR THEY'RE CLAIMED UNDER ANY OTHER LEGAL THEORY) WILL NOT BE GREATER THAN THE AMOUNT YOU PAID TO ACCESS OUR SITES.

Links to Other Sites

We sometimes provide referrals to and links to other World Wide Web sites from our sites. Such a link should not be seen as an endorsement, approval or agreement with any information or resources offered at sites you can access through our sites. If in doubt, always check the Uniform Resource Locator (URL) address provided in your WWW browser to see if you are still in a God Is My Refuge Ministries-operated site or have moved to another site. God Is My Refuge Ministries is not responsible for the content or practices of third party sites that may be linked to our sites. When God Is My Refuge Ministries provides links or references to other Web sites, no inference or assumption should be made and no representation should be inferred that God Is My Refuge Ministries is connected with, operates or controls these Web sites. Any approved link must not represent in any way, either explicitly or by implication, that you have received the endorsement, sponsorship or support of any God Is My Refuge Ministries site or endorsement, sponsorship or support of the ministry of God Is My Refuge Ministries, including its respective employees, agents or directors.

Monitoring Online Postings

God Is My Refuge Ministries shall have the right to monitor and review the content of any discussions, chats, forums, postings, transmissions and bulletin boards, although God Is My Refuge Ministries is not under legal obligation to do so. As a Christian organization, we uphold specific foundational beliefs. We expect visitors to our sites, and anyone using our communication tools to adhere to a sense of decency and decorum that we deem appropriate. We are the sole authority on questions of appropriateness. Naturally, God Is My Refuge Ministries assumes no responsibility or liability arising from the content of an online posting. However, we do specifically prohibit you or any visitor from posting or transmitting any unlawful, threatening, libelous, obscene, scandalous, inflammatory, pornographic, or profane material or any material that could constitute or encourage what could be considered a criminal offense, give rise to civil liability or otherwise violate any law. God Is My Refuge Ministries will fully cooperate with authorities or court orders requesting details of criminal postings. God Is My Refuge Ministries shall have the right in its sole discretion to edit, refuse to post or remove any material submitted to or posted on any God Is My Refuge Ministries web site. God Is My Refuge Ministries shall have the right to remove any material that it determines to be in violation of these provisions or otherwise objectionable.

In addition, children 12 and under are not authorized to post messages or participate in God Is My Refuge Ministries Web site unless the site has been specifically designed for them and all appropriate parental notification and approval devices have been complied with fully. For more information see our Privacy Policy.

Termination of This Agreement

This agreement is effective until terminated by either party. You may terminate this agreement at any time, by destroying all materials obtained from all God Is My Refuge Ministries sites, along with all related documentation and all copies and installations. God Is My Refuge Ministries may terminate this agreement at any time and without notice to you, if, in its sole judgment, you breach any term or condition of this agreement. Upon termination, you must destroy all materials. In addition, by providing material on our Web sites, we do not in any way promise that the materials will remain available to you. And God Is My Refuge Ministries is entitled to terminate all or any part of any of its Web sites without notice to you.

Jurisdiction and Other Points to Consider

Unless otherwise specified, the Online Materials on our sites are presented to provide information about the resources of God Is My Refuge Ministries. The God Is My Refuge Ministries was organized under the laws of South Carolina, in the United States of America. If you use our sites from locations outside of the United States, you are responsible for compliance with any applicable local laws. These Terms of Use, and the agreement they create, shall be governed by and interpreted according to the laws of the State of South Carolina (without applying the state's conflict-of-law principles.) If any provision of this agreement is unlawful, void or unenforceable, it will not affect the validity and enforceability of any remaining provisions. God Is My Refuge Ministries may modify these Terms of Use, and the agreement they create, at any time, simply by updating this posting and without notice to you. This is the ENTIRE agreement regarding all the matters that have been discussed.